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Know what your claim is worth before you talk to the insurance company.
Most people accept the insurer's first number because they never learn their own. Five questions. Your real range. Then decide from strength.
- Based on published settlement data, adjusted for your state
- Plain English — no legal jargon, no pressure
- Optional free case review from a licensed attorney
Estimated range
0/6 answered
195+
Free data pages, guides & answers
15
Injury types with real value ranges
10
States with full legal breakdowns
$0
What you'll ever pay us
Why your number matters
The first offer is a test.
Most people fail it.
Insurers make fast, low first offers because bills make fast money tempting — and because most claimants have no idea what their claim is actually worth. Knowing your range changes the entire negotiation before it starts.
How adjusters really work →
Illustrative example — herniated disc claim
Quick first offer, unrepresented
$11,500
Documented claim, negotiated from data
$67,500
Illustrative comparison based on patterns in published settlement data — not a promise of any outcome. Every claim is different; documentation, policy limits, and representation all move the result.
Settlement Values Library
What do injuries like yours settle for?
Real ranges for all 15 injury types — drag through the library, or tap any card for the full breakdown.
$3K – $25K
Whiplash
Neck strain from sudden back-and-forth motion
$10K – $100K
Back Injury
Strains, sprains, and soft-tissue damage to the back
$40K – $150K
Herniated Disc
Spinal disc rupture pressing on nerves
$15K – $100K
Broken Bones
Fractures from arms and legs to ribs and facial bones
$20K – $125K
Concussion / Mild TBI
Mild traumatic brain injury with cognitive symptoms
$15K – $100K
Shoulder Injury
Rotator cuff tears, labrum tears, and dislocations
$15K – $100K
Knee Injury
ACL/MCL tears, meniscus damage, and fractures
$15K – $120K
Neck Injury
Cervical strains and disc injuries beyond whiplash
$250K – $1.5M
Spinal Cord Injury
Partial or complete paralysis injuries
$100K – $1M
Traumatic Brain Injury
Moderate to severe brain injuries
$50K – $250K
Internal Injuries
Organ damage and internal bleeding
$25K – $200K
Burn Injuries
Thermal, chemical, and friction burns
$10K – $75K
PTSD / Emotional Distress
Psychological injuries after a traumatic crash
$500K – $2M
Wrongful Death
Claims brought by families after a fatal crash
$3K – $20K
Soft Tissue Injuries
Sprains, strains, and bruising
$250K – $2M
Amputation & Limb Loss
Traumatic or surgical loss of an arm, leg, hand, or foot
$50K – $500K
Electrocution & Electrical Injury
Shock, arc flash, and current-path injury
$25K – $500K
Complex Regional Pain Syndrome (CRPS)
Chronic burning pain out of proportion to the original injury
Accident Types
A truck crash is not a car crash
Different insurance, different deadlines, different evidence that disappears on different schedules. Twelve accident types, each with a guide for all 50 states plus DC.
Motor vehicleCar Accident
$3K – $55K
Motor vehicleTruck Accident
$25K – $350K
Motor vehicleMotorcycle Accident
$20K – $200K
Motor vehiclePedestrian Accident
$25K – $250K
Motor vehicleBicycle Accident
$15K – $150K
Motor vehicleRideshare Accident
$10K – $120K
PremisesSlip and Fall
$5K – $60K
WorkplaceWorkplace Injury
$5K – $75K
PremisesDog Bite
$15K – $60K
MedicalMedical Malpractice
$50K – $500K
ProductProduct Liability
$25K – $250K
MedicalNursing Home Abuse
$30K – $300K
Motor vehicleElectric Scooter Accident
$10K – $75K
PremisesFalling Object Injury
$15K – $150K
Settlement Benchmarks
The numbers insurers hope you never see
Benchmark ranges from our settlement library — the same data the calculator uses, drawn from published settlements and verdict reports.
Whiplash
Georgia
$2.5K – $26K
Soft-tissue, full recovery
Herniated disc
Texas
$40K – $150K
Injections, no surgery
Back injury
California
$12.5K – $125K
Ongoing treatment
Broken bones
Florida
$15K – $105K
Surgical repair
Concussion
New York
$24K – $150K
Post-concussion symptoms
Shoulder injury
Illinois
$16K – $105K
Arthroscopic surgery
How InjurySage works
The smart first step after an accident
Step 1
See your number
Five questions, no contact info required. A realistic settlement range built from published case data — not a lawyer's sales pitch.
Step 2
Understand your claim
State-by-state guides on fault rules, deadlines, and insurer tactics — written in plain English, dated, and sourced.
Step 3
Decide with confidence
Handle it yourself with our playbook, or get a free case review from a licensed attorney. Your choice, no pressure either way.
State Guides
Your state's rules change everything
Filing deadlines, fault rules, insurance minimums — the same crash is a different claim in every state, and insurers count on you not knowing yours.
Ask the Sage
Straight answers, before you make a single decision
No jargon, no scare tactics — the questions people actually ask after an accident.
Browse all questions →Almost never for an injury claim. First offers are opening bids made quickly because early settlements are cheap — they typically represent a fraction of documented claim value, and once you sign the release your claim is closed forever. Read the full answer →
For property damage only, or a single checkup with full recovery and accepted fault — usually not. The moment there's ongoing treatment, disputed fault, or a lowballing insurer, representation typically nets you more even after the fee. Read the full answer →
Most adjusters start from one of two methods: a multiplier (medical bills × 1.5 to 5, scaled by severity) or a per-diem rate for each day of documented recovery. Both are negotiating anchors, not laws. Read the full answer →
Your own policy's uninsured motorist (UM) coverage steps in as if it were the other driver's insurer — this is exactly what UM exists for. If you carry it, you file with your own company. Read the full answer →
Fault is usually clear in rear-end crashes, so value turns almost entirely on injuries: soft-tissue claims commonly settle for $2,500–$25,000, while disc injuries or surgery push well into six figures. Read the full answer →
Independent
We're not a law firm and we don't take a cut of your settlement. Our guides exist whether you hire a lawyer or not.
Transparent
If you ask for a case review, participating firms pay us for the connection — that's how the calculator stays free. You never pay us anything.
Careful
Every value range explains its basis, every page is dated, and nothing here is legal advice — it's the information you deserve before you decide.